Benefits Plan Overview

Pre-Tax Benefits

Health Insurance: The Local Choice – Anthem

Vision Insurance: The Local Choice – Blue View Vision

Dental Insurance: The Local Choice – Delta Dental of VA

Health Savings Accounts: Ameriflex
– Employee Maximum $3,850/year
– Family Maximum $7,750/year
HSA plans can only be established in conjunction with a qualified High-Deductible Health Plan (HDHP)
Winchester Public Schools contributes $1,000 annually to the HSA for each enrolled participant in the HDHP.
New Hires may receive the full contribution or a pro-rated amount dependent upon hire date.

Flexible Spending Accounts: Ameriflex
– Medical Reimbursement FSA Maximum: $3,050/year
– Limited Purpose Reimbursement FSA Maximum: $3,050/year
– Dependent Care Reimbursement Maximum: $5,000/year
You will need to re-enroll in the Dependent Care Flexible Spending Accounts if you want them to continue next year.
IF YOU DO NOT RE-ENROLL, YOUR CONTRIBUTION WILL STOP EFFECTIVE JUNE 30, 2023.

Cancer Benefits: Colonial Life

Accident Benefits: Colonial Life

Medical Bridge Benefits: Colonial Life

Post-Tax Benefits

Disability Benefits: Colonial Life

Critical Illness Benefits: Colonial Life

Life Insurance: Colonial Life
– Term Life Insurance
– Whole Life Insurance

Additional Benefits

Student Loan Assistance Program: GradFin

Please note your insurance products will remain in effect unless you speak with a representative to change them.

Enrollment Period: MAY 2, 2023 – MAY 16, 2023

Effective Dates: JULY 1, 2023 – JUNE 30, 2024

QUALIFICATIONS:

– All full-time employees are eligible for benefits.

IMPORTANT FACTS:

– The plan year for The Local Choice benefits (Anthem Health, Delta Dental & Blue View Vision), Health Savings Accounts, Spending Accounts, and Colonial Insurance products lasts from July 1, 2023 through June 30, 2024.

– Deductions for The Local Choice benefits (Anthem Health, Delta Dental & Blue View Vision) will begin June 2023. Deductions for Health Savings Accounts, Spending Account and Colonial Insurance products will begin July 2023.

– If signing up for any coverage on your spouse and/or children, please have their dates of birth and social security numbers available when speaking with the Benefits Representative.

– If you will be receiving a new debit card, whether you are a new participant or to replace your expired card, please be aware that it may take up to 30 days following your plan effective date for your card to arrive. Your card will be delivered by mail in a plain white envelope. During this time you may use manual claim forms for eligible expenses. Please note that your debit card is good through the expiration date printed on the card.

– Elections made during this enrollment period CANNOT BE CHANGED AFTER THE ENROLLMENT PERIOD unless there is a family status change as defined by the Internal Revenue Code. Examples of a family status change are: marriage, divorce, death of a spouse or child, birth or adoption of a child, termination or commencement of a spouse’s employment, or the transition of spouse’s employment from full-time to part-time, or vice-versa. Once a family status change has occurred, an employee has 30 days to notify your HR department.

– Flexible Spending Account expenses must be incurred during the Plan Year in order to be eligible for reimbursement.

– An employee has 90 days after the plan year ends to submit claims for spending account expenses that were incurred during the plan year. Please note that if employment terminates during the plan year, that employee’s plan year ends the day employment ends. The employee has 30 days after the termination date to submit claims.

– With Dependent Care Flexible Spending Accounts, the maximum reimbursement you can request is equal to the current account balance in your Dependent Care account. You cannot be reimbursed more than has actually been deducted from your pay.

– As a married couple, one spouse cannot be enrolled in a Medical Reimbursement FSA at the same time the other opens or contributes to an HSA.

– The Health Screening Rider on the Colonial Medical Bridge plan has a 30-day waiting period for new enrollees. Coverage, therefore, will not begin until July 31, 2023.

– Additionally, some policies may include a pre-existing condition clause. Please read your policy carefully for full details.

– Please be aware there are certain coverages that may be subject to federal and state tax when premium is paid by pretax deduction or employee contribution.

– An employee taking a leave of absence, other than under the Family & Medical Leave Act, may not be eligible to re-enter the Flexible Benefits Program until the next plan year. Please contact your Benefit Administrator for more information.